David,
Serveral years ago I picked up your book, Start Late, Finish Rich. It took me several attempts to read it, as every time I did I would get into a panic about facing my finances. I finally got through it and started putting the things you suggested into practice. It’s now 5 years later -I’m 31 years old, own my own home and aside from my mortgage (which I am working on paying down quickly) am completely debt free.
I recommend your books to everyone who asks me how I managed to pull myself out from under such a huge debt load.
I am not writing to inspire. I’m writing to thank you. Your books and advice have honestly changed my life and have given me a sense of complete control and financial freedom.